# PayMate Privacy Policy

**Last Updated: December 2025**

## 1. Introduction

PayMate ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

## 2. Information We Collect

### 2.1 Information You Provide

- **Account Information**: Email address and display name when you create an account

- **Work Data**: Hours worked, earnings, job profiles, and related calculations you enter

- **Payment Information**: Handled securely by Google Play; we do not store payment details

### 2.2 Automatically Collected Information

- Device information (type, operating system)

- App usage analytics

- Crash reports

## 3. How We Use Your Information

We use your information to:

- Provide and maintain the PayMate service

- Sync your data across devices

- Process subscription payments (via Google Play)

- Improve our app and user experience

- Send important service updates

## 4. Data Storage and Security

- Your data is stored securely on Google Firebase servers

- All data is encrypted in transit using SSL/TLS

- We implement industry-standard security measures

## 5. Data Sharing

We do NOT sell your personal information. We may share data with:

- **Google Firebase**: For data storage and authentication

- **RevenueCat**: For subscription management

- **Google Play**: For payment processing

## 6. Your Rights

You have the right to:

- Access your personal data

- Correct inaccurate data

- Delete your account and all associated data

- Export your data

To exercise these rights, use the Settings menu in the app or contact us.

## 7. Data Retention

- Active accounts: Data retained while account is active

- Deleted accounts: Data permanently deleted within 30 days

## 8. Children's Privacy

PayMate is not intended for children under 13. We do not knowingly collect data from children.

## 9. Changes to This Policy

We may update this policy periodically. We will notify you of significant changes through the app.

## 10. Contact Us

For privacy-related questions:

- Email: paymate.app.au@gmail.com

## 11. Australian Privacy Act

This app complies with the Australian Privacy Act 1988 and Australian Privacy Principles (APPs).

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**Note**: PayMate is an independent application and is not affiliated with, endorsed by, or connected to the Australian Taxation Office (ATO).

# PayMate Terms of Service

**Last Updated: December 2025**

## 1. Acceptance of Terms

By downloading, installing, or using PayMate, you agree to these Terms of Service.

## 2. Description of Service

PayMate is a pay calculator application designed for Australian workers. It provides:

- Earnings calculations for hourly, salary, and piece rate workers

- Tax withholding estimates based on ATO guidelines

- Cloud backup and synchronization

## 3. Disclaimer

### 3.1 Not Tax Advice

PayMate provides ESTIMATES only. Calculations are based on general ATO guidelines and may not reflect your specific tax situation. PayMate is NOT a substitute for professional tax advice.

### 3.2 No Affiliation

PayMate is an independent application. We are NOT affiliated with, endorsed by, or connected to:

- Australian Taxation Office (ATO)

- Fair Work Commission

- Any government agency

### 3.3 Accuracy

While we strive for accuracy, we cannot guarantee that all calculations are error-free. Always verify important financial decisions with a qualified professional.

## 4. User Responsibilities

You agree to:

- Provide accurate information

- Keep your account credentials secure

- Use the app for lawful purposes only

- Not attempt to reverse engineer the app

## 5. Subscriptions and Payments

### 5.1 Free Tier

Basic features are available for free with limitations.

### 5.2 Premium Subscription

- Billed through Google Play

- Prices displayed in app (AUD)

- Subscriptions auto-renew unless cancelled

- Cancel anytime through Google Play Store

### 5.3 Refunds

Refund requests are handled by Google Play according to their policies.

## 6. Intellectual Property

PayMate and all associated content, features, and functionality are owned by us and protected by copyright laws.

## 7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

- PayMate is provided "AS IS" without warranties

- We are not liable for any financial decisions made based on app calculations

- Our total liability is limited to the amount you paid for the subscription

## 8. Termination

We may terminate or suspend your account if you violate these terms. You may delete your account at any time through the app settings.

## 9. Changes to Terms

We may modify these terms at any time. Continued use of the app constitutes acceptance of modified terms.

## 10. Governing Law

These terms are governed by the laws of Australia.

## 11. Contact

Questions about these terms:

- Email: paymate.app.au@gmail.com

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By using PayMate, you acknowledge that you have read, understood, and agree to these Terms of Service.